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Declaring crypto taxes in Germany can feel like a unique headache. You need to navigate the rules of the Finanzamt, correctly apply principles from the Federal Ministry of Finance (BMF) and the BZSt (Federal Central Tax Office), like the one-year holding period for tax exemption and the €1000 tax-free allowance (Freigrenze), and generate accurate figures for your Anlage SO. The market for tax tools is confusing – how do you choose the right one for Germany?
Are you stuck with a "US-centric" tool (Koinly, Cointracker) that doesn't understand German forms? A "legacy" tool (Cointracking) that's complex and makes you pay extra every year? A "trader" tool (Blockpit) with confusing subscriptions? Or "regional" tools (Waltio) that don't even support Germany?
You don't have to compromise. This article compares all crypto tax software for Germany. So you can find the right one. Let's get started.
Quick Comparison
| Feature | Divly | Koinly | Cointracker | Cointracking | Blockpit | Waltio |
|---|---|---|---|---|---|---|
| User Experience | Simple & Guided | Complex | Complex | Very Complex & Dated | Complex & Feature-Heavy | Simple |
| Transaction accuracy | ✅ High | 🚫 Low | ⚠️ Medium | ⚠️ Medium | ⚠️ Medium | ⚠️ Medium |
| Service in German | ✅ Yes | 🚫 No | 🚫 No | ✅ Yes | ✅ Yes | 🚫 No |
| Generates German Forms (Anlage SO, etc.)? | ✅ Yes | ✅ Yes | 🚫 No | ✅ Yes | ✅ Yes | 🚫 No |
| Automatic integration German exchanges | ✅ Yes | ⚠️ Limited | 🚫 No | ⚠️ Limited | ✅ Yes | 🚫 No |
| German Customer Support | ✅ Yes (Human German Experts) | 🚫 No | 🚫 No | ⚠️ Limited | ⚠️ Limited | 🚫 No |
| Pricing Model | ✅ Pay-per-Year (EUR) | ⚠️ Pay-per-Year (USD) | ⚠️ Pay-per-Year (USD) | ⚠️ Pay-per-Year + all previous | ⚠️ Pay-per-Year + Sub. (€) | ✅ Pay-per-Year (EUR) |
| Best for Germany | ✅ Yes (Built for Germany) | 🚫 No | 🚫 No | ⚠️ Maybe (Complex) | ⚠️ Maybe (Complex & Costly) | 🚫 No |
Who Are Divly?
Divly: The German specialist, built for simplicity and accuracy. Perfectly handles German taxes (Anlage SO reports, BMF rules) with a modern interface, fair Euro pricing, and expert German support. The best balance of features and ease of use.
What is Koinly?
Koinly: The big generalist. They are known for their large list of integrations with blockchains and exchanges globally. Their philosophy is to offer the broadest possible coverage, making it a popular choice for full-time traders and investors.
What is Cointracker?
Cointracker: The US Generalists. Built for the American IRS, not the Finanzamt. They DO NOT generate compliant German reports, provide generic CSVs, require complex manual work for Anlage SO, and charge in unpredictable USD. Risky and unsuitable for Germany.
What is Cointracking?
Cointracking: The Legacy Pioneer. They generates German reports but has a dated/complex UI, uses a costly cumulative pricing model (pay for all history every year), and relies on AI/Generalist support. Powerful but difficult to use.
What is Blockpit
Blockpit: The Trader's Tool. They generates German reports but has a complex UI built for traders, fragmented pricing (license + subscription), and relies on an AI-Bot for support. Overkill and costly for most investors.
What is Waltio?
Waltio: The Niche Specialist (France). DOES NOT SUPPORT GERMANY at all. Irrelevant for German tax filers.
User Experience:
Divly: Is designed for simplicity, specifically to make the entire German tax process, including generating figures for the Anlage SO, painless. The interface guides users directly to their finished, compliant report with minimal steps, preventing errors and saving time. Follow Divly’s German Guide here.
Koinly: Has focused heavily on integrations, potentially sacrificing user experience. Remains relatively complex, especially when needing to manually adapt its generic output for German forms.
Cointracker: Does not support Germany meaningfully.
Cointracking: Suffers from a very complex and outdated interface (founded 2012). Navigating its features to generate the correct German report is cumbersome and not beginner-friendly.
Blockpit: Is designed for active traders, with a data-heavy interface and tools (like "Sell Simulator") unnecessary for the average German investor just trying to file their Anlage SO.
Waltio: Does not support Germany.
Localized Expertise (German Forms, Language & Support)
Divly: Excels here. It generates automated, compliant reports for German tax forms (Anlage SO, etc.) required by the Finanzamt and correctly applies BMF rules (e.g., holding periods). The platform is fully in professional German, and support comes from human German tax specialists. Divly's proven ability to master other complex European tax systems builds trust in its German engine.
Koinly: Fails on the most critical point. No specific German reports (generic CSV only). Forces complex manual work. Support lacks deep German expertise.
Cointracker: Fails completely for Germany. No German reports, no German language service or support.
Cointracking: Generates German reports but relies on AI and generalist support, lacking the dedicated human expertise Divly provides. Its crowdsourced translations for other languages raise minor quality concerns.
Blockpit: Generates German reports and has German support but relies heavily on an AI-Bot and its platform is overly complex for non-traders.
Waltio: Does not support Germany.
German Integrations & Accuracy
Divly: Beyond integrations with major exchanges (Binance, Coinbase etc.), Divly prioritizes high-quality connections with exchanges relevant to German users (e.g., Bitpanda, Bison), ensuring high transaction accuracy. Free guides enhance user accuracy further.
Koinly: Supports major global exchanges but may have limited or less maintained integrations for Germany-specific platforms. Accuracy is often low, requiring manual corrections.
Cointracker: Focuses on US exchanges. Support for German exchanges is unlikely. Accuracy for German users is lower.
Cointracking: Has broad global exchange support, including German ones like Bitcoin.de, but its complex UI can still lead to medium accuracy if not carefully managed.
Blockpit: Has a strong focus on DACH exchanges, offering good integration quality, but overall platform complexity can still impact user accuracy (medium).
Waltio: Irrelevant.
Pricing
Divly: Uses a Fair & Simple pay-per-year model priced clearly and predictably in Euros (€). One price includes all features. See Divly’s pricing here.
Koinly: Uses USD pricing. Final cost in Euros is unpredictable due to exchange rates and bank fees. Simple pay-per-year model otherwise.
Cointracker: Uses USD pricing, creating the same unpredictability and extra fees for German users. Simple pay-per-year model otherwise.
Cointracking: Employs a Cumulative Penalty model. You pay for your entire transaction history every single year, making it progressively more expensive than Divly.
Blockpit: Uses a Fragmented Subscription model (annual license + separate monthly fee for full features). Confusing and potentially costly for investors who don't need trader tools.
Waltio: Does not support Germany.
Conclusion: Divly Is The Best Service for Crypto Tax in Germany
While Cointracking and Blockpit offer German tax reports, they come with significant drawbacks in complexity and pricing structure. The US-centric tools (Koinly, Cointracker) are fundamentally unsuitable, and Waltio doesn't even support Germany.
For the modern crypto investor in Germany who values clarity, ease of use, and fair pricing, Divly is the clear and objectively better choice.
Divly delivers accurate, compliant reports for the Finanzamt within a simple, guided user experience that saves you time and prevents errors. Its fair Euro pricing is transparent and cost-effective. And its human-led expert support in German provides peace of mind that AI bots and generalist teams cannot match.
Don't choose a tool that's overly complex, unpredictably priced, or not truly built with the average investor in mind. Choose the platform that makes German crypto taxes simple.
